Capital One Spark Cash Plus
High-spend small business, 2% flat with $1,200 welcome.
External link to Capital One’s own application page.
The Capital One Spark Cash Plus costs $150 a year. It earns 2% on all spends. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Capital One Spark Cash Plus actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Capital One Spark Cash Plus earn?
What you earn back, by category.
$1,200 cash bonus after $30,000 spend in first 3 months
What do you get with the Capital One Spark Cash Plus?
- Unlimited 2% cashback on every purchase
- 5% on hotels and rental cars via Capital One Travel
- No preset spending limit
- Annual fee refund of $150 if you spend $150K/year
- No foreign transaction fees
Who qualifies for the Capital One Spark Cash Plus?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
What people say about the Capital One Spark Cash Plus
Real answers from readers. No login, and nothing here affects our scores.
Capital One Spark Cash Plus FAQ
›What is the Capital One Spark Cash Plus annual fee?
The annual fee is $150 (joining fee $0).
›What does the Capital One Spark Cash Plus earn?
It earns 2% on all spends.
›What is the Capital One Spark Cash Plus forex markup?
The Capital One Spark Cash Plus charges 0% forex markup on foreign-currency spends.
›What income do you need for the Capital One Spark Cash Plus?
Capital One publishes no minimum income requirement for this card; approval rests on your credit profile.
›What is the Capital One Spark Cash Plus welcome bonus?
$1,200 cash bonus after $30,000 spend in first 3 months.
›Are these Capital One Spark Cash Plus figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
